Can I retire at age 35 with 18,900,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $18,900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$1,560,744$1,546,842$1,533,278$1,520,040$1,507,113$1,461,797
2 years$772,646$758,256$744,310$730,788$717,673$672,400
3 years$509,981$495,529$481,618$468,223$455,321$411,510
4 years$378,674$364,266$350,494$337,328$324,739$282,726
5 years$299,910$285,589$271,998$259,101$246,861$206,760
6 years$247,418$233,205$219,815$207,205$195,333$157,179
7 years$209,939$195,845$182,667$170,354$158,858$122,650
8 years$181,842$167,875$154,916$142,906$131,788$97,504
9 years$160,000$146,166$133,429$121,724$110,985$78,587
10 years$142,537$128,838$116,327$104,928$94,564$64,009
11 years$128,259$114,697$102,412$91,318$81,329$52,562
12 years$116,368$102,946$90,888$80,099$70,478$43,441
13 years$106,315$93,033$81,203$70,715$61,458$36,089
14 years$97,706$84,564$72,961$62,773$53,874$30,107
15 years$90,251$77,251$65,874$55,982$47,435$25,203
16 years$83,734$70,876$59,724$50,126$41,923$21,157
17 years$77,990$65,274$54,347$45,038$37,172$17,802
18 years$72,890$60,317$49,612$40,588$33,051$15,007
19 years$68,332$55,901$45,417$36,675$29,459$12,672
20 years$64,235$51,946$41,681$33,216$26,314$10,715
21 years$60,533$48,385$38,339$30,146$23,548$9,070
22 years$57,172$45,166$35,335$27,409$21,107$7,685
23 years$54,108$42,243$32,626$24,962$18,947$6,517
24 years$51,303$39,579$30,173$22,767$17,030$5,530
25 years$48,727$37,143$27,947$20,792$15,324$4,695
26 years$46,353$34,908$25,919$19,011$13,804$3,989
27 years$44,158$32,853$24,068$17,402$12,445$3,390
28 years$42,124$30,957$22,374$15,944$11,230$2,882
29 years$40,233$29,204$20,821$14,621$10,140$2,450
30 years$38,472$27,580$19,394$13,418$9,162$2,084
31 years$36,828$26,073$18,081$12,323$8,283$1,773
32 years$35,289$24,670$16,870$11,326$7,493$1,509
33 years$33,847$23,363$15,751$10,415$6,781$1,284
34 years$32,493$22,143$14,717$9,582$6,140$1,093
35 years$31,218$21,002$13,759$8,821$5,561$930
36 years$30,018$19,934$12,872$8,124$5,038$792
37 years$28,884$18,933$12,048$7,485$4,566$674
38 years$27,813$17,993$11,282$6,899$4,140$574
39 years$26,800$17,109$10,570$6,362$3,754$489
40 years$25,839$16,278$9,907$5,868$3,405$416
41 years$24,928$15,495$9,290$5,414$3,089$355
42 years$24,062$14,757$8,714$4,996$2,803$302
43 years$23,239$14,061$8,177$4,612$2,544$257
44 years$22,456$13,403$7,676$4,258$2,309$219
45 years$21,709$12,781$7,207$3,933$2,096$187
46 years$20,997$12,192$6,769$3,633$1,903$159
47 years$20,318$11,635$6,360$3,356$1,728$135
48 years$19,668$11,107$5,976$3,101$1,570$115
49 years$19,047$10,607$5,617$2,866$1,426$98
50 years$18,453$10,132$5,281$2,649$1,295$84

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $18,900,000, adding $4,595 every year, while hoping to spend $59,026 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 81/11/8 Blend
34$18,900,000$18,900,000$18,900,000$18,900,000
35$20,832,540$19,830,840$19,537,890$22,498,785
36$22,894,656$20,739,748$20,129,606$24,499,398
37$25,165,129$21,691,214$20,739,166$26,686,436
38$27,665,150$22,687,261$21,367,106$29,085,042
39$30,418,068$23,730,010$22,013,977$31,716,349
40$33,449,613$24,821,682$22,680,347$34,603,626
41$36,788,136$25,964,607$23,366,801$37,772,500
42$40,464,878$27,161,225$24,073,941$41,251,187
43$44,514,264$28,414,094$24,802,387$45,070,763
44$48,974,230$29,725,895$25,552,778$49,265,452
45$53,886,578$31,099,440$26,325,772$53,872,946
46$59,297,369$32,537,673$27,122,046$58,934,757
47$65,257,363$34,043,682$27,942,297$64,496,609
48$71,822,495$35,620,703$28,787,244$70,608,861
49$79,054,399$37,272,127$29,657,627$77,326,985
50$87,020,997$39,001,511$30,554,207$84,712,081
51$95,797,134$40,812,580$31,477,768$92,831,453
52$105,465,287$42,709,241$32,429,118$101,759,239
53$116,116,342$44,695,590$33,409,090$111,577,107
54$127,850,453$46,775,918$34,418,538$122,375,023
55$140,777,986$48,954,725$35,458,346$134,252,095
56$155,020,561$51,236,727$36,529,421$147,317,503
57$170,712,201$53,626,869$37,632,699$161,691,525
58$188,000,593$56,130,333$38,769,142$177,506,669
59$207,048,487$58,752,553$39,939,742$194,908,918
60$228,035,229$61,499,224$41,145,519$214,059,102
61$251,158,454$64,376,318$42,387,526$235,134,410
62$276,635,953$67,390,094$43,666,845$258,330,058
63$304,707,725$70,547,114$44,984,589$283,861,126
64$335,638,248$73,854,257$46,341,908$311,964,578
65$369,718,970$77,318,737$47,739,983$342,901,498
66$407,271,062$80,948,112$49,180,030$376,959,545
67$448,648,452$84,750,311$50,663,302$414,455,658
68$494,241,162$88,733,644$52,191,090$455,739,046
69$544,478,990$92,906,822$53,764,722$501,194,472
70$599,835,572$97,278,982$55,385,565$551,245,878
71$660,832,847$101,859,698$57,055,027$606,360,380
72$728,045,986$106,659,012$58,774,559$667,052,667
73$802,108,823$111,687,450$60,545,654$733,889,851
74$883,719,837$116,956,049$62,369,847$807,496,807
75$973,648,746$122,476,381$64,248,723$888,562,070
76$1,072,743,773$128,260,578$66,183,909$977,844,313
77$1,181,939,652$134,321,361$68,177,085$1,076,179,509
78$1,302,266,455$140,672,067$70,229,976$1,184,488,801
79$1,434,859,315$147,326,679$72,344,361$1,303,787,192
80$1,580,969,139$154,299,860$74,522,071$1,435,193,112
81$1,741,974,421$161,606,983$76,764,991$1,579,938,963
82$1,919,394,255$169,264,168$79,075,061$1,739,382,739
83$2,114,902,673$177,288,317$81,454,279$1,915,020,830
84$2,330,344,451$185,697,149$83,904,703$2,108,502,137
85$2,567,752,524$194,509,249$86,428,449$2,321,643,618
86$2,829,367,178$203,744,098$89,027,699$2,556,447,426
87$3,117,657,199$213,422,129$91,704,696$2,815,119,792
88$3,435,343,182$223,564,761$94,461,752$3,100,091,838
89$3,785,423,210$234,194,458$97,301,244$3,414,042,504
90$4,171,201,165$245,334,774$100,225,623$3,759,923,819
91$4,596,317,912$257,010,406$103,237,410$4,140,988,753
92$5,064,785,676$269,247,253$106,339,200$4,560,821,901
93$5,581,025,916$282,072,470$109,533,664$5,023,373,304
94$6,149,911,072$295,514,533$112,823,555$5,532,995,711
95$6,776,810,561$309,603,304$116,211,703$6,094,485,651
96$7,467,641,466$324,370,094$119,701,023$6,713,128,689
97$8,228,924,405$339,847,739$123,294,517$7,394,749,295
98$9,067,845,085$356,070,668$126,995,273$8,145,765,804
99$9,992,322,141$373,074,988$130,806,472$8,973,250,980
100$11,011,081,898$390,898,561$134,731,388$9,884,998,754